Pooja Gaykar
the challan is done — these are for the IGR filing / KYC
- The work is done — our fee of ₹26,150.97 is still not in our account. Chase the branch for it.
why?
why?
The money may already be here — 1 credit(s) our bank showed us that no case has taken
Day by day — every step and who held it
Next step
File the NOI on the IGR site
The challan is paid. Open the e-filing portal — log in, and the NOI Co-pilot takes it from there: it types the Date of Mortgage (the portal creates the token right then, and it is written on this case), opens each page as the portal turns it yellow, picks every list with EzDocs and reads every page back against the case before it says “filled”. You check, do photo/thumb, and press each Save and the final submit. Then press this so the branch knows — it is what they chase when they ask for the token.
New to it, or showing someone? Rehearse on the practice copy — the co-pilot works there exactly as on the real site, and nothing is real or saved.
Where this case stands — the whole trailread by EzDocs as one conversation
Do things the NOI team's work on a case, in order — come here when the Next step above points here: upload the paid challan, mark it Filed, share the e-filing copy, take the bank's approval, or fix a detail
Pay on GRAS — the NOI Co-pilot box there fills the form from the case number, and the full walkthrough with the exact figures appears at the top of this page the moment everything is clear (documents in, money verified). EzDocs reads the GRN off the uploaded PDF, re-checks every figure and name, and writes the bank mail. (If the direct page complains, start at gras.mahakosh.gov.in and click through.) The challan, as it will be typed — the GRAS form with the papers beside it; correct a box there when a paper says otherwise.
then switch to the e-filing tab you are already logged into — the next page there fills by itself. One e-filing tab only: the portal keeps one session per login, so a second tab (or the front page again) logs the first out. Not logged in yet today? open the portal (its front page logs you in afresh — and logs out any other e-filing tab).
The NOI Co-pilot creates the token from the Date of Mortgage, opens each page in the portal's own order and fills it, checked by EzDocs. Press this the moment you submit — the branch hears the NOI team's own words: “filed on the IGR site, once deface we will share with you”.
When the eFilingDoc… PDF is in hand — the token is read from the file and the branch mail is written. The DHC's PRN is read off the same copy.
These two banks approve the draft filing before submission — share the screenshot, they approve with one click, no mail round-trips.
No snip shared yet. Upload the draft e-filing screenshot below — the bank gets a one-click approval link instead of an email round-trip.
Uploading composes the approval mail to the bank (held on Draft mails until a person presses Send). Re-uploading replaces the snip and re-opens the decision on the SAME link.
Filing record (attempts, GRN, token)
| Attempt | GRN | Token | Status | Submitted |
|---|---|---|---|---|
| #1 principal | MH011133030202627E | — | pending |
Fix something every change is recorded with your name
Usually Aradhana Mam's press — after seeing the credit with her own eyes (bank SMS or statement). The case then moves towards the challan on its own.
Undo a verification — for a wrong press; it goes on the record and the case is re-thought at once
Advanced — move the case by hand (ask Abhijit first)
Normally the case moves itself when documents and money arrive — this override is for the rare day it is stuck wrong.
The reply EzDocs wrote on this thread — yours to edit; nothing leaves until you press Send.
No draft is waiting on this case. EzDocs writes one the moment the case needs a mail — a chase, the fee, the challan, the e-filing copy — and it waits here for your Send. All drafts → · Write a reply on Mails & papers →
The conversation, word for word — attachments open on click. Mail thread, oldest first.
This is the case's own Gmail thread, oldest first — the first mail is how the case began, and every later mail lands here the moment it arrives. Search on the Cases page finds any words written below.
📑 Open mails & papers — each mail beside its papers, ← → the next paper29 Sep, 23:13 · 15d ago THE FIRST MAIL — how this case began
PLASE DO NEEDFULL .
29 Sep, 23:27 · 15d ago
We acknowledge the receipt of your mail document and payment. We will
initiate the Challan for the same.
*Regards,*
*NOI Coordinator (PNB)*
*ThinkBigz*
*M:-8097244974*
On Tue, 29 Sep, 2026, 23:13 Ganesh Ramvilas Mali, <ganesh.mali@phfl.com>
wrote:
earlier mails quoted below
30 Sep, 11:36 · 15d ago
Team,
We acknowledge the receipt of your mail documents and payment. We will initiate the challan for the same. For NOI filing, We need a clear photocopy of index 2 and a colour live selfie photo of applicants..
earlier mails quoted below
30 Sep, 12:45 · 15d ago
Team,
PFA challan for your reference.
earlier mails quoted below
Every file the branch sent, and what EzDocs read it as. Click a filename to open the file itself. A wrong label? Fix it at the bottom — the checklist and the next mail follow your fix.
| Document | File — click to open | Status | When |
|---|---|---|---|
| Sanction letter+ Payment screenshot inside+ Index II inside+ PAN card inside+ Aadhaar card inside | NOI pooja.pdf | filed | 15d ago |
| Paid challan (GRAS) | POOJA CHANDRAKANT GAYKAR EchallanMH011133030202627E.pdf | filed | 15d ago |
a label is wrong? open the file above, then correct it here
The checklist and the next mail follow the corrected label. Recorded with your name.
Details & records the money working, the property exactly as it will be filed, the people, and what was read from each document
The records come first. The Property card below is the one to check before filing day.
Payment
₹26,150.97
waiting for the credit
₹26,124 663803825610
why?
—
not yet
Fee working (ours)
| Stamp duty | Filing fee | DHC | Our service fee | Total |
|---|---|---|---|---|
| ₹9,330 | ₹15,000 | ₹320 | ₹1,500 | ₹26,150 |
why?
Property (must be perfect)
The property, paper by paper side by side, the main paper first
FLAT NO 201 AND 202, 2ND FLOOR, MH NO 284/6, LAXMIDHAR CO OP HOU SOC LTD, BHIWANDHI, WEST, THANE, BRAHMAN ALI, THANE, MAHARASHTRA, INDIA, 421302
421302
201 AND 202 2ND FLOOR LAXMIDHAR CO OP HOU SOC LTD CTS NO 1400-A/1 AND 1453
BRAHMAN ALI BHIVANDI
THANE
Parties
| Role | Name | PAN | Aadhaar |
|---|---|---|---|
| mortgagor | POOJA CHANDRAKANT GAYKAR | BECPG8896P |
All mail records (for Abhijit — safe to ignore)
| Template | To | When |
|---|---|---|
| acknowledgement | ganesh.mali@phfl.com | 15d ago |
What EzDocs read from each document — check anything marked in red
HOU/THA/0926/5227942
True
Housing Loan, Housing
{'name': 'POOJA CHANDRAKANT GAYKAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'KIRAN CHANDRAKANT GAIKAR', 'role': 'co_applicant', 'label': 'Applicant'}
1.0
2960000.0
3108000.0
8.5
28-Sep-2026
10
poojagaikar35@gmail.com
POOJA CHANDRAKANT GAYKAR, KIRAN CHANDRAKANT GAIKAR
False
9029892772
False
pin: 421302; road: BRAHMAN ALI; state: MAHARASHTRA; taluka: Thane; Flat no: 201 AND 202; district: Thane; Floor: 2ND FLOOR; Address: FLAT NO 201 AND 202, 2ND FLOOR, MH NO 284/6, LAXMIDHAR CO OP HOU SOC LTD, BHIWA
148000.0
Total Loan Amount
True
3108000.0
FLAT NO 201 AND 202, 2ND FLOOR, MH NO 284/6, LAXMIDHAR CO OP HOU SOC LTD, BHIWANDHI, WEST, Thane, BRAHMAN ALI, Thane, MAHARASHTRA, India, 421302
CHANDRAKANT GAYKAR, HOUSE NO 131, KOMBADPADA ROAD SANGAM PADA, BHIWANDI,., Thane, MAHARASHTRA, 421308, India
raw reading (for Abhijit)
{'lan': 'HOU/THA/0926/5227942', 'legible': True, 'purpose': 'Housing Loan, Housing', 'borrowers': [{'name': 'POOJA CHANDRAKANT GAYKAR', 'role': 'applicant', 'label': 'Applicant'}, {'name': 'KIRAN CHANDRAKANT GAIKAR', 'role': 'co_applicant', 'label': 'Applicant'}], 'loan_type': None, 'confidence': 1.0, 'handwritten': [], 'linked_refs': [], 'loan_amount': 2960000.0, 'final_amount': 3108000.0, 'interest_rate': 8.5, 'quality_issue': None, 'sanction_date': '28-Sep-2026', 'letter_version': '10', 'applicant_email': 'poojagaikar35@gmail.com', 'applicant_names': ['POOJA CHANDRAKANT GAYKAR', 'KIRAN CHANDRAKANT GAIKAR'], 'printed_altered': False, 'applicant_mobile': '9029892772', 'balance_transfer': False, 'property_address': {'pin': '421302', 'road': 'BRAHMAN ALI', 'state': 'MAHARASHTRA', 'taluka': 'Thane', 'flat_no': '201 AND 202', 'district': 'Thane', 'floor_no': '2ND FLOOR', 'landmark': None, 'full_address': 'FLAT NO 201 AND 202, 2ND FLOOR, MH NO 284/6, LAXMIDHAR CO OP HOU SOC LTD, BHIWANDHI, WEST, Thane, BRAHMAN ALI, Thane, MAHARASHTRA, India, 421302', 'village_city': 'BHIWANDHI, WEST', 'building_name': 'LAXMIDHAR CO OP HOU SOC LTD', 'survey_or_cts_no': 'MH NO 284/6'}, 'insurance_premium': 148000.0, 'final_amount_label': 'Total Loan Amount', 'includes_insurance': True, 'total_with_insurance': 3108000.0, 'security_address_verbatim': 'FLAT NO 201 AND 202, 2ND FLOOR, MH NO 284/6, LAXMIDHAR CO OP HOU SOC LTD, BHIWANDHI, WEST, Thane, BRAHMAN ALI, Thane, MAHARASHTRA, India, 421302', 'applicant_address_verbatim': 'CHANDRAKANT GAYKAR, HOUSE NO 131, KOMBADPADA ROAD SANGAM PADA, BHIWANDI,., Thane, MAHARASHTRA, 421308, India'}1991-12-09
BECPG8896P
POOJA CHANDRAKANT GAYKAR
True
CHANDRAKANT PANDURANG GAIKAR
raw reading (for Abhijit)
{'dob': '1991-12-09', 'pan': 'BECPG8896P', 'name': 'POOJA CHANDRAKANT GAYKAR', 'mobile': None, 'address': None, 'legible': True, 'father_name': 'CHANDRAKANT PANDURANG GAIKAR', 'aadhaar_last4': None, 'quality_issue': None}1991-12-09
BECPG8896P
True
raw reading (for Abhijit)
{'dob': '1991-12-09', 'pan': 'BECPG8896P', 'mobile': None, 'address': None, 'legible': True, 'aadhaar_last4': None, 'quality_issue': None}bank: IDFC FIRST Bank; kind: bundle; payments: [{'utr': None, 'date': '2026-09-29', 'page': 1, 'time': '17:30', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 24124.0, 'direction': 'debit', 'narration': None, 'proof_
BVD3-11364-2026
raw reading (for Abhijit)
{'payments_inside': {'bank': 'IDFC FIRST Bank', 'kind': 'bundle', 'payments': [{'utr': None, 'date': '2026-09-29', 'page': 1, 'time': '17:30', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 24124.0, 'direction': 'debit', 'narration': None, 'proof_kind': 'success_screen'}, {'utr': '663803825610', 'date': '2026-09-29', 'page': 2, 'time': '17:27', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 2000.0, 'direction': 'debit', 'narration': 'UPI transaction ID 663803825610 To: THINKBIGZ INITIATIVE PVT LTD 56-2@okbizaxis From: Pooja Chandrakant Gaykar (IDFC FIRST Bank) ....ar35@okicici on Google Pay Google transaction ID CICAgPjihYCYWQ', 'proof_kind': 'success_screen'}], 'rows_read': 2, 'account_last4': '1278', 'account_holder': 'Pooja Chandrakant Gaykar'}, 'header_doc_number': 'BVD3-11364-2026'}MH011133030202627E
421302
24330.0
6(1)
False
03006172026093000667
THANE
THANE
BECXXXXXXP
FLAT NO 201 AND 202 2ND FLOOR LAXMIDHAR CO OP HOU SOC LTD CTS NO 1400 A/1 AND 1453 A
POOJA CHANDRAKANT GAYKAR
BVD3_BHIWANDI 3 JOINT SUB REGISTRAR
PUNJAB NATIONAL BANK
PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3108000
{'amount': 9330.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}
XXXXXX2772
30/09/2026-12:43:15
MH NO 284/6 BRAHMAN ALI BHIVANDI
AAACP3682N
PNB HOUSING FINANCE LTD
3108000
raw reading (for Abhijit)
{'grn': 'MH011133030202627E', 'pin': '421302', 'total': 24330.0, 'article': '6(1)', 'defaced': False, 'bank_cin': '03006172026093000667', 'district': 'THANE', 'area_city': 'THANE', 'payer_pan': 'BECXXXXXXP', 'flat_block': 'FLAT NO 201 AND 202 2ND FLOOR LAXMIDHAR CO OP HOU SOC LTD CTS NO 1400 A/1 AND 1453 A', 'payer_name': 'POOJA CHANDRAKANT GAYKAR', 'sro_office': 'BVD3_BHIWANDI 3 JOINT SUB REGISTRAR', 'paying_bank': 'PUNJAB NATIONAL BANK', 'remarks_raw': 'PAN2=AAACP3682N~SecondPartyName=PNB HOUSING FINANCE LTD~CA=3108000', 'scheme_rows': [{'amount': 9330.0, 'head_code': '0030046401', 'description': 'Stamp Duty'}, {'amount': 15000.0, 'head_code': '0030063301', 'description': 'Registration Fee'}], 'payer_mobile': 'XXXXXX2772', 'payment_date': '30/09/2026-12:43:15', 'road_locality': 'MH NO 284/6 BRAHMAN ALI BHIVANDI', 'second_party_pan': 'AAACP3682N', 'second_party_name': 'PNB HOUSING FINANCE LTD', 'consideration_amount': '3108000'}kind: bundle; payments: [{'utr': None, 'date': '2026-09-29', 'page': 1, 'time': '17:30', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 24124.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'success_screen
raw reading (for Abhijit)
{'payments_inside': {'kind': 'bundle', 'payments': [{'utr': None, 'date': '2026-09-29', 'page': 1, 'time': '17:30', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 24124.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'success_screen'}, {'utr': '663803825610', 'date': '2026-09-29', 'page': 2, 'time': '17:27', 'payee': 'THINKBIGZ INITIATIVE PVT LTD', 'amount': 2000.0, 'direction': 'credit', 'narration': None, 'proof_kind': 'success_screen'}], 'rows_read': 2, 'account_holder': 'Pooja Chandrakant Gaykar'}}kind: other; payments: []; rows_read: 0
raw reading (for Abhijit)
{'payments_inside': {'bank': None, 'kind': 'other', 'payments': [], 'rows_read': 0, 'account_last4': None, 'account_holder': None}}Technical record (for Abhijit — safe to ignore)
| 4h ago | EzDocs | draft_withdrawn | {'why': "the team's own mail of 29 Sep, 23:27 acknowledged the papers and the payment — the draft it answers is taken off", 'count': 1, 'kinds': ['ack']} |
| 13d ago | EzDocs | hidden_payment_scan | {'file': 'POOJA CHANDRAKANT GAYKAR EchallanMH011133030202627E.pdf', 'kind': 'other', 'found': 0, 'doc_id': '89ae565b-eee4-4985-b7c6-80f5d80b2d90', 'fetched': True} |
| 14d ago | EzDocs | hidden_payment_scan | {'file': 'NOI pooja.pdf', 'kind': 'bundle', 'found': 0, 'doc_id': '457db5df-0ece-4c81-914f-806ebc73ef8d', 'fetched': True} |
| 15d ago | EzDocs | match_reverted_done_case | {'why': 'EzDocs had tied a fresh credit to a finished case on the amount alone (7 Sep, Sonu Kumar Pandit) — undone; the credit waits for its own case under FOR YOU TO CHECK', 'stage': 'CHALLAN_PAID', 'method': 'amount_over |
| 15d ago | EzDocs | match_undone | {'ref': None, 'why': 'this credit was tied to the wrong case — the case record goes back to what it was before the match; the credit waits for its own case', 'amount': 26250.0, 'reason': 'amount-only match onto a case pa |
| 15d ago | EzDocs | lesson456 | {'why': 'the team paid this challan by hand — where are the figures and the payer it carries printed?', 'form': 'challan', 'lessons': [{'box': 'Payer PAN', 'words': 'Payer PAN: the team typed BExxxxxxXP — no paper on the |
| 15d ago | EzDocs | trail_read | {'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['fee_paid', 'challan', 'challan_shared'], 'mails |
| 15d ago | EzDocs | title_doc_on_case_filing_open | {'was': 'VENDOR', 'why': "the branch's title document is on the case — the filing is the NOI team's move", 'file': 'NOI pooja.pdf', 'kind': 'index2'} |
| 15d ago | EzDocs | challan_found_on_case | {'was': 'CHALLAN_PENDING', 'why': 'the challans on the case cover both heads — it belongs in the filing queue, whatever was still listed as missing', 'file': 'POOJA CHANDRAKANT GAYKAR EchallanMH011133030202627E.pdf', 'ki |
| 15d ago | EzDocs | desk_document_shared | {'why': "the NOI team mailed this to the branch — kept on the case so the branch can open it from the bank's window (a challan the moment it is shared, the Index II when the case completes)", 'file': 'POOJA CHANDRAKANT G |
| 15d ago | EzDocs | sro_office_learned | {'why': 'the co-pilot picks we for the next challan in that district — a person still sees it before Proceed', 'office': 'BVD3_BHIWANDI 3 JOINT SUB REGISTRAR', 'district': 'THANE'} |
| 15d ago | EzDocs | challan_verified_against_case | {'grn': 'MH011133030202627E', 'file': 'POOJA CHANDRAKANT GAYKAR EchallanMH011133030202627E.pdf', 'checked': ['payer name', 'stamp duty', 'registration fee', 'total', 'consideration (CA)', 'district', 'article code']} |
| 15d ago | EzDocs | challan_extracted | {'grn': 'MH011133030202627E', 'file': 'POOJA CHANDRAKANT GAYKAR EchallanMH011133030202627E.pdf', 'heads': ['0030046401', '0030063301'], 'total': 24330.0} |
| 15d ago | copilot | copilot_check_issues | {'why': 'EzDocs checked what the portal page holds against the case before the person pressed Save', 'page': 'challan', 'notes': '', 'issues': [{'by': 'papers', 'box': 'Property box 1', 'why': "the sanction letter prints |
| 15d ago | the co-pilot | challan_boxes_not_the_papers_words | {'why': "check — the boxes carry words the main paper does not print (CTS, 1400, A, 1, 1453, BHIVANDI) — read box 1 once against the paper's own words"} |
| 15d ago | EzDocs | trail_read | {'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['fee_paid'], 'mails': 3, 'summary': 'The bank ha |
| 15d ago | EzDocs | quoted_history_checked | {} |
| 15d ago | EzDocs | extra_challan_scanned | {'found': 0} |
| 15d ago | EzDocs | trail_read | {'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': ['fee_paid'], 'mails': 2, 'summary': 'The branch |
| 15d ago | EzDocs | index2_docno_read | {'why': "the title deed box takes the page's OWN number, as its header prints it — never a number it quotes for an earlier sale", 'file': 'NOI pooja.pdf', 'doc_id': '457db5df-0ece-4c81-914f-806ebc73ef8d', 'header_sro': ' |
| 15d ago | EzDocs | reader_home_address | {'fp': '0b1bd7a3c015d21e', 'from': 'the sanction letter (NOI pooja.pdf)', 'home': {'pin': '421308', 'area': 'SANGAM PADA', 'flat': 'HOUSE NO 131', 'road': 'KOMBAPADA ROAD', 'state': 'MAHARASHTRA', 'district': 'Thane', 'v |
| 15d ago | EzDocs | case_read | {'how': 'uri', 'tag': '85d016b2b91aa592', 'docs': ['NOI pooja.pdf'], 'loan': {'amount': 3108000, 'made_of': [{'what': 'sanctioned amount', 'paper': 'the sanction letter', 'quote': 'Loan Amount INR 2960000', 'amount': 296 |
| 15d ago | EzDocs | boxes_gathered | {'how': 'uri', 'why': 'new mail', 'docs': ['NOI pooja.pdf'], 'after': {'challan_boxes': {'box1': '201 AND 202 2ND FLOOR LAXMIDHAR CO OP HOU SOC LTD CTS NO 1400-A/1 AND 1453', 'box2': 'BRAHMAN ALI BHIVANDI', 'city': 'THAN |
| 15d ago | EzDocs | challan_boxes_composed | {'fp': 'fe1617521cb48972', 'why': "EzDocs wrote the challan's property boxes from the case's boxes and the paper's own words; every number checked against them", 'box1': '201 AND 202 2ND FLOOR LAXMIDHAR CO OP HOU SOC LTD |
| 15d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'by': 'papers', 'box': 'Taluka', 'why': 'T |
| 15d ago | EzDocs | trail_read | {'why': 'EzDocs read the whole trail as one conversation; what it says is shown on the case — the stage still moves by the papers and the checked per-mail facts', 'done': [], 'mails': 1, 'summary': 'The branch has sent t |
| 15d ago | EzDocs | property_self_check | {'ok': False, 'why': "EzDocs checked every property box against the document's own words — the boxes named do not agree, or EzDocs could not be reached", 'notes': '', 'issues': [{'by': 'papers', 'box': 'Taluka', 'why': 'T |
| 15d ago | EzDocs | kyc_address_missing | {'why': "no Aadhaar on this case prints this person's address — the Mortgagor page will use the property address unless a person types the home address", 'person': 'POOJA CHANDRAKANT GAYKAR', 'party_id': 'cfdab6bb-6126-4 |
| 15d ago | EzDocs | property_from_index2 | {'why': "the Index II is the government's own description of this property — it outranks every other paper, so it takes the boxes over", 'file': 'NOI pooja.pdf', 'changed': {'Flat no': {'was': '201 AND 202', 'index2': No |
| 15d ago | EzDocs | index2_people_checked | {'doc_id': '457db5df-0ece-4c81-914f-806ebc73ef8d', 'differs': 2, 'matched': [{'score': 0.98, 'person': 'POOJA CHANDRAKANT GAYKAR', 'pan_agrees': False}, {'score': 0.81, 'person': 'POOJA CHANDRAKANT GAYKAR', 'pan_agrees': |